Time flies and the end of the year is around the corner, and we are happy to bring you the latest performance and product updates of TWINO this November!

But first, let’s get to the numbers!


We see that November was an active month for the investors as we have several ongoing campaigns and attractive investment opportunities on the platform.

Current offering available for investment


Our primary market offering is expanding consistently as new loan securities with different interest rates are being listed almost every day. Our current offering includes investments in loans in Poland, Vietnam, and the Philippines with interest rates from 8-13% p.a. with more than €2.8 million worth of securities available for investments.


An exclusive fully equipped 3-room apartment with an open-concept kitchen and 2 bedrooms is currently available for investment. The funding is raised in 3 batches, each having a 30-day subscription. The first batch is currently being funded and upon its completion, the corresponding securities will be issued and the next batch will start. A 5% cashback bonus is applied to any investment in real estate securities!

Status: Available for reservations on Airbnb and Booking.com.

Expected annual return: 4-7%

Photos of the property that is currently available for investment

Market Updates

See the latest operational and financial updates of Polish and Vietnamese lending companies on our blog:

Update on Russian loans. Please see the latest summary of war-affected loans below:

Product Update

Open banking launch🎉

We’re thrilled to announce the introduction of the open banking solution on the TWINO platform, powered in collaboration with our partner Ecommpay. This feature enables you to make deposits in a more efficient, easier, and secure way, contributing significantly to the enhancement of the overall user experience on TWINO.

Your convenience and security are at the forefront of our efforts and we are confident that this new solution delivers exactly that.

Here’s how it works:

  1. Select your bank from the list of available options
  2. Specify the amount you wish to deposit 
  3. Authenticate and approve the payment from your selected bank

LEI code changes (no longer mandatory)

We are pleased to announce the removal of the Legal Entity Identifier (LEI) code prerequisite for legal entities. This adjustment streamlines the registration process, making it more straightforward and convenient for legal entities to engage in investment activities with TWINO. Importantly, this also means there’s no need to extend your existing LEI code to continue investing with us.

Refer Friends

Amplify the benefits for both you and your network within our esteemed investor community! Our Refer Friends campaign is currently underway with a limited-time offer, giving a substantial €50 bonus to both you and your referred friend. Note that this limited-time promotion is valid until December 31, 2023.

Here’s how it works:

  1. Referral activation: Utilize your personalized referral link to extend invitations to your friends.
  2. Registration: Ensure your referred party completes the registration process on the TWINO platform using the provided unique link.
  3. Minimum investment Requirement: Your referred acquaintance should commit a minimum investment of €1000.
  4. Bonus allocation: Following the successful investment, expect a prompt bonus disbursement of €50 to both your and your friend’s TWINO investor account within 3 business days.

For a comprehensive understanding of the terms and conditions governing our Refer Friends initiative, please refer to the updated documentation available here.

Media news

Podcast “P2P Cafe”, “Twino 2.0: Eine erneute Chance für Investoren?”

In the 10in10 episode of the P2P Loans Café, Lars Wrobbel and Thomas Butz discussed the TWINO platform in detail and asked Helvijs Henselis, CEO of TWINO Investments, 10 questions and new features on the TWINO platform. The full episode is available on:

This autumn TWINO supported Fintech Pulse 2023 Latvia which gained the media and the sector’s attention both in Latvia and at a European level.

Some examples:

  1. The Fintech Times
  2. Hipther.com
  3. Nordic Fintech Magazine
  4. Video highlights from Fintech Forum 2023 where Helvijs Henšelis, CEO of TWINO Investments also shares his thoughts on how the sector in Latvia has developed.
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TWINO news

TWINO updates and news, including monthly investor updates, changes in company, new product and market updates.

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